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New Member
b_turk
Posts: 4
Registered: ‎05-18-2012

Discover CLI - (After 6 months)

It has been 6 months since getting approved for my Discover More card. I started out with a $1000 CL. I've spent in 6 months about $3000 a month. I would make random (large) payments weekly or twice a month. Most of the time leaving a high balance i.e (700/1000) when the statement would cut off. I called 2 days ago for a CLI the auto system over the regular customer service number on the back of the card declined me. I called the recon number right after and asked for a SCA. She looked through my account and asked how much I wanted for an increase, I told her $4000 would be fine and she approved me in 20 seconds. I am going to ask for $10000 in June.

 

My FICO TU is 670.

 

1 Year AAOA

2 Year History

16 INQ in the last year

10 Open lines.

 

Discover More 4000 - Macys 2000 - Chase Slate 1500 - Amazon 2000
Valued Contributor
creditnocash
Posts: 2,172
Registered: ‎07-23-2012

Re: Discover CLI - (After 6 months)


b_turk wrote:

It has been 6 months since getting approved for my Discover More card. I started out with a $1000 CL. I've spent in 6 months about $3000 a month. I would make random (large) payments weekly or twice a month. Most of the time leaving a high balance i.e (700/1000) when the statement would cut off. I called 2 days ago for a CLI the auto system over the regular customer service number on the back of the card declined me. I called the recon number right after and asked for a SCA. She looked through my account and asked how much I wanted for an increase, I told her $4000 would be fine and she approved me in 20 seconds. I am going to ask for $10000 in June.

 

My FICO TU is 670.

 

1 Year AAOA

2 Year History

16 INQ in the last year

10 Open lines.

 


hmmm i think discover hard pulls on cli though? anyone else? 

 

congrats though. 

whats your income? 

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Frequent Contributor
youngman1234
Posts: 453
Registered: ‎02-27-2012

Re: Discover CLI - (After 6 months)

I did the same thing 1k...to 6.75k, to 7k...to 15k... Now hoping to get to 20k in jan
Valued Contributor
mxp114
Posts: 1,350
Registered: ‎09-01-2011

Re: Discover CLI - (After 6 months)

To get $20k with Discover, be prepared to prove income. I'm also at $15k and haven't decided if I will bother submitting documentation to get $20k+.

Frequent Contributor
youngman1234
Posts: 453
Registered: ‎02-27-2012

Re: Discover CLI - (After 6 months)

I thought that's if you ask for more than 25k, also from what I read on this forum discover calls your employer to verify the income.... Does that sound right ???
New Member
b_turk
Posts: 4
Registered: ‎05-18-2012

Re: Discover CLI - (After 6 months)

Yes it was a hard pull. Income is 54k. So at $15,000 they didn't want to verify your income? What was the income you told them to get up to 15,000?

Discover More 4000 - Macys 2000 - Chase Slate 1500 - Amazon 2000
Valued Contributor
mxp114
Posts: 1,350
Registered: ‎09-01-2011

Re: Discover CLI - (After 6 months)

That sounds unusual, the analyst told me I could fax or email documentation but didn't specify if they would also call. She told me $19,500 is the max unless I submit documentation, it is a requirement and no way around it. However do post your experience and I will do the same, if I decide to go for $20k+.

Frequent Contributor
youngman1234
Posts: 453
Registered: ‎02-27-2012

Re: Discover CLI - (After 6 months)

They can verify my income with my employer... It's over 120k.... They like my usage... I PIF and have charged over 60k this year alone... I currently have 36k worth of lines with BOA...
Frequent Contributor
youngman1234
Posts: 453
Registered: ‎02-27-2012

Re: Discover CLI - (After 6 months)

What documentation do they want ??? Pay stubs or tax returns or bank statements ??
Valued Contributor
mxp114
Posts: 1,350
Registered: ‎09-01-2011

Re: Discover CLI - (After 6 months)

[ Edited ]

I don't know, I didn't pursue the CLI because they insisted on TU and I have something reporting that falls off next month so decided not to proceed with the HP. And $60k? Well you should have received an exclusive offer if you're spending is at that level. it's invite only and they will email and mail the details plus you get notice online.


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